The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,710
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,416
−HK$718/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,602
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$687/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,099
−HK$861/mo
Today · 4.125%
HK$28,960
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,763/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,920/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,317
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$825/mo
Today · 4.125%
HK$31,955
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,910/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$1,005/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,370
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,318
−HK$963/mo
Today · 4.125%
HK$37,281
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,562/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,877
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,149
−HK$1,292/mo
Today · 4.125%
HK$43,441
baseline
▲ 0.50% · 4.625%
HK$46,084
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,882/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,476
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,695
−HK$1,237/mo
Today · 4.125%
HK$47,932
baseline
▲ 0.50% · 4.625%
HK$50,459
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,864/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,924 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).